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Rewards Mastercard®

Rates as low as

13.75 % APR1

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Turn your everyday spending into cash, travel, merchandise and more.

 

Get 10,000 points when you activate your card — a $100 cash value.

 

Earn 1.5 points for every $1 spent.2

 

Earn unlimited points that never expire.3

 

Use your points like cash to make purchases or to cover a past purchase.4

 

Gain access to a personal travel advisor, luxury hotels, a personal concierge and other travel benefits.

 

Get your free credit score and customized reports from SavvyMoney.

SchoolsFirst FCU Member Tracy F.
TRACY F. MEMBER SINCE 2002

Unique Features

  • Get more travel rewards for your points faster with higher point-to-ticket values.
  • Receive a $5 Lyft credit for every three rides taken in a calendar month.5
  • Get $3 off a monthly Peacock Premium subscription.6
  • Get three months of free delivery with Instacart+ and $10 off your second order each month.6
SchoolsFirst FCU Member Angela M.
ANGELA M. MEMBER SINCE 1981

Enjoy Rewards, Perks and Discounts

There's nothing like being rewarded for everyday spending. Add to that perks and discounts that make life better — whether you're on the road or staying home. And get a competitive rate that's lower than most rewards cards.

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What You Get with Every Mastercard

  • No cash advance, annual or balance transfer fees.†
  • EMV chip-enabled technology to help protect you from fraud.
  • Free identity theft monitoring and alerts, emergency wallet replacement, and identity theft resolution services with Mastercard ID Theft ProtectionTM.‡
  • Apple Pay®, Google WalletTM and Samsung PayTM.
  • Enjoy access to Priceless®, an exclusive benefit for Mastercard cardholders that offers one-of-a-kind experiences and adventures.
  • Get your free credit score and customized reports from SavvyMoney.
  • Unlock access to Live Nation's pre-sale and preferred ticketing for select festivals and venues.
  • Coverage for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car.†‡
  • Complimentary HealthLock Medical Claim Monitor membership plus a free 90-day upgrade to all HealthLock services.‡†
Forbest Best-in-State Credit Unions award logo, 2025.

Seven Years in a Row

For seven consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

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Managing Your Credit

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Don’t Overlook These Credit Card Perks

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Additional Loan Payments

CALCULATOR
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Summer Saver for School Employees

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Locations

We offer over 70 branches in California and 30,000+ ATM locations.

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Disclosures
  1. APR = Annual Percentage Rate. Subject to credit approval. SchoolsFirst FCU's credit card program features a range of variable interest rates based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 10/29/2025 and are subject to change without notice. See important terms, rates and fees.
  2. See Member Rewards Program Terms and Conditions for details.
  3. Account must be open, current and in good standing.
  4. Available for certain eligible transactions.
  5. Purchases must be made with your SchoolsFirst FCU Rewards Mastercard to be eligible for the offer. Terms and conditions apply. See the Guide to Benefits for details and restrictions.
  6. Certain terms, conditions and exclusions apply. Please visit Mastercard to get full details.

AGREEMENT AND DISCLOSURE STATEMENT  |  GUIDE TO BENEFITS

  • Foreign transaction fee: 2% of the transaction amount in U.S. dollars for School Employee, Inspire and Share-Secured credit cards, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country. Balance transfers are the transfer of balances from other lenders to your SchoolsFirst FCU credit card and cannot be applied to any amount you owe under any other credit agreement or account you have with SchoolsFirst FCU. There is no grace period for cash advances. Interest begins accruing from the posting date of the cash advance. See disclosures for School Employee Mastercard, Inspire Mastercard, Rewards Mastercard and Share-Secured Mastercard.
  • To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.
  • Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard card to secure transactions. Please refer to your Guide to Benefits for further details or call (800) 627-8372 for assistance.